Portfolio & Performance

Portfolio & Performance

The two primary goals of Fisgard are to preserve capital and provide consistent returns to its investors. In good times as well as hard times Fisgard has delivered a reasonable dividend that compares favourably with other income investments, outperforming many. Fisgard has always paid a dividend and has never suspended redemptions.

The ranking or priority of the portfolio has a significant weighting of first or senior residential mortgages.  Individual mortgages will not exceed a 75% loan to value ratio at the time of origination.

Portfolio Summary

As of September 30th, 2018 (unaudited) Fisgard Capital Corporation’s investment portfolio was comprised as follows:

Details

December 31, 2017
(Audited)
September 30, 2018
(Unaudited)
Mortgages$194,176,098$198,797,346
Cash$3,486,557$3,340,909
Other Current Assets$52,597$58,845
Limited Partnerships$26,961,297$19,213,574
Less: Provisions/Fess($1,911,505)($2,085,926)
Less: Demand Operating Loan($27,733,841)($28,480,952)
TOTAL$195,031,203$190,843,796

 

Investments in real property which are held directly or indirectly through limited partnerships or other vehicles, as a result of action taken to enforce the Issuer’s rights as a secured lender (for example, in a foreclosure situation).

Mortgage Investment Overview

*Data as of 30-Sep-2018 (unaudited)

Number of Mortgage Assets395
Dollar volume of mortgage assets$198,797,346
Dollar volume of 1st mortgages$187,864,668
Dollar volume of 2nd mortgages$10,932,678
Average Mortgage Term (in months)12

Mortgages by Rank

*As at 30-Sep-2018

Mortgages by Location

*As at 30-Sep-2018

Mortgages by Type

*As at 30-Sep-2018

Dividend Track Record

Fisgard’s performance figures are based on its popular 5 & 1 year term investments. These are NET returns after all costs have been deducted. What you see is what you get. Note what our investors have received in cash dividends as well as the growth they’ve experienced by reinvesting their dividends. Nothing fancy, just solid income and growth.

Dividends and Investment Growth

Based on Fisgard’s 5-year investment
Investment
Period
NET
CASH
NET
GROWTH*
TOTAL
GROWTH*
ACCUMULATED
INVESTMENT*
Last Year5.125%5.224%5.224%$10,522
Last 3 Years5.042%5.138%16.219%$11,622
Last 5 Years5.025%5.120%28.362%$12,836
Last 7 Years5.047%5.144%42.064%$14,206
Last 10 Years5.580%5.705%74.155%$17,415

* Denotes reinvestment of dividends. Accumulated investment is based on a $10,000 investment at the beginning of the investment period.
*Data as of 30-Sep-18

Quarterly Returns since 2004

Year1st Qtr2nd Qtr3rd Qtr4th QtrYearly Ave. Cash DividendYearly Ave. Reinvestment Growth
5-year Term
20185.250%5.250%5.370%5.290%5.396%
20175.000%5.000%5.250%5.250%5.125%5.224%
20165.000% 5.000% 5.000%5.000%5.000%5.095%
20155.000%5.000%5.000%5.000%5.000%5.095%
20145.000%5.000%5.000%5.000%5.000%5.095%
20135.000%5.000%5.000%5.000%5.000%5.095%
20125.013%5.000%5.000%5.000%5.003%5.098%
20115.310%5.503%5.000%5.000%5.203%5.306%
20105.120%5.210%5.300%5.218%5.212%5.315%
20097.000%5.876%6.020%5.102%6.000%6.136%
200810.047%10.000%9.000%8.000%9.262%9.588%
200710.589%10.528%10.381%10.400%10.474%10.893%
200611.070%10.827%11.000%11.000%10.974%11.434%
200511.350%11.345%11.147%11.300%11.285%11.772%
200411.472%11.571%11.666%11.500%11.552%12.062%

*Data as of 30-Sep-18

Historical Growth

Our track record speaks for itself. Since 1995 we have provided investors quarter after quarter of steady uninterrupted dividends.

The Power of Compound Interest.

Fisgard Investors achieve growth simply by reinvesting their dividends.

See how $25,000 invested in Fisgard starting January 2010 grew to $35,546 by January 1, 2018.


 

See how $25,000 invested in Fisgard starting January 1995 grew to $185,366 by January 1, 2018.